The Study Of Enterprise A Automobile Financial Consumption Patterns

Along with our country’s automobile market is developing rapidly, the family by popularized class car rate is also increasing, and the automobile consumption credit for consumers in the purchase a car to provide funds, supporting the auto finance industry as an important auxiliary industry to promote the development of the car industry, by the brand car manufacturers, distributors at all levels, financial institutions pay much attention to. Enterprise A since 2009 in Beijing to carry out automobile consumption credit business, through continuous market exploration and adjustment of business structure, has to be operational mode copy to Shanghai, Tianjin and other domestic nearly 100 of a second tier city, become a financial institution in the current market banking industry leading, but in business development at the same time, other financial institutions system innovation giving priority to efficiency, and so on the leading position of Enterprise A worrying.Based by comparing the domestic and foreign automobile consumption credit business model, research on the current domestic market on credit cards and other auto consumption credit mode, put forward the advantages and disadvantages Chinese automobile consumption market, at the same time, using the theory of SWOT, analysis of research means of in-depth analysis and study of Enterprise A of automobile consumption credit business, put forward the advantages and disadvantages and application effect of Enterprise A credit of automobile consumption mode, thus obtains the advantages of this model in the market competitiveness and the application of the disadvantages and propose business development advice, reasonable and effective.Studies show that the Bank of automobile consumption credit business into the Beijing Shanghai market early, the business of the credit policy, operation business model is superior to the traditional bank housing credit business, have a certain market advantage, but a credit card or a professional automobile financial company has some disadvantages in the convenient degree. And due to the policy of internal bank and management problems in the country, a second city spread out late, lost some opportunities. The current need to enter into new areas of the market, at the same time to invest more resources in the internal management of the banks, making reasonable business assessment requirements and appropriate research to streamline the process, to ensure that in the leading position in the field of long-term, lead the rapid development of the industry is healthy.